RamCredit fails to provide ownership or executive information on its website.

RamCredit’s website domain (“ramcredit.com”), was first registered in 2013. The private registration was last updated on May 20th, 2023.

RamCredit’s website appears to have gone live a few months after the domain was acquired in May 2023.

Despite only existing for a year or so at best, on its website RamCredit falsely claims it was “established in 2013”.

In attempt to appear legitimate, RamCredit provides a corporate address in the US on its website. The address points to random office space in Arizona that, as far as I can tell, has nothing to do with RamCredit.

As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.

RamCredit’s Products

RamCredit has no retailable products or services.

Affiliates are only able to market RamCredit affiliate membership itself.

RamCredit’s Compensation Plan

RamCredit affiliates invest funds on the promise of passive returns:

  • Voyager Growth – invest $100 or more and receive 0.71% a day for 7 months or 0.86% a day for 9 months
  • Annuity Program – invest $5000 or more and receive 2.1% a day for 20 months
  • Blue Chip Fund – invest $10,000 or more and receive 0.91% a day for 7 months or 1.1% a day for 9 months
  • Legacy Bonds – invest $50,000 or more and receive 1.12% a day for 7 months or 1.27% a day for 9 months
  • Dynamic Yield Fund – invest $200,000 or more and receive 1.3% a day for 7 months or 1.5% a day for 9 months

The MLM side of RamCredit pays on recruitment of affiliate investors.

Referral Commissions

RamCredit pays referral commissions on invested funds down two levels of recruitment (unilevel):

  • level 1 (personally recruited affiliates) – 10%
  • level 2 – 5%

Referral Commission Bonus

RamCredit rewards affiliates for reaching referral commission milestones:

  • earn $10,000 in referral commissions and receive a $5000 funded Annuity Program investment position
  • earn $25,000 in referral commissions and receive a $12,500 funded Annuity Program investment position
  • earn $50,000 in referral commissions and receive a $25,000 funded Annuity Program investment position
  • earn $100,000 in referral commissions and receive a $50,000 funded Annuity Program investment position
  • earn $500,000 in referral commissions and receive a $250,000 funded Annuity Program investment position
  • earn $1,000,000 in referral commissions and receive a $500,000 funded Annuity Program investment position

Joining RamCredit

RamCredit affiliate membership is free.

Full participation in the attached income opportunity requires a minimum $100 investment.

RamCredit Conclusion

RamCredit is your typical generic finance template Ponzi scheme.

In addition to lying about the foundation of the company, RamCredit’s website presents itself as a generic finance themed template.

Through the source-code we can see RamCredit’s website was auto-generated through WebFlow:

Webflow markets a service that allows users to “build with the power of code without writing any”.

RamCredit’s auto-generated website is populated with copious amounts of generic finance jargon. The jargon is accompanied by a plethora of stock and/or stolen images.

As a passive returns investment scheme, RamCredit is required to register itself with financial regulators. RamCredit fails to provide evidence it has registered with any financial regulators.

Thus, at a minimum, RamCredit is committing securities fraud.

As it stands the only verifiable source of revenue entering RamCredit is new investment.

Using new investment to pay ROI withdrawals would make RamCredit a Ponzi scheme. Additionally with nothing marketed or sold to retail customers, the MLM side of RamCredit operates as a pyramid scheme.

As with all MLM Ponzi schemes, once affiliate recruitment dries up so too will new investment.

This will starve RamCredit of ROI revenue, eventually prompting a collapse.

The math behind Ponzi schemes guarantees that when they collapse, the majority of participants lose money.